Renters Insurance

Renters insurance can provide you with needed financial protection against adverse circumstances, whether it’s covering your personal belongings in case of damage or ensuring you’re protected if someone is injured in your residence. If you need renters insurance, we’re here to help. Contact us today to learn more about your renters insurance options or to get a quote.

What Is Renters Insurance?

Renters insurance provides protection against property loss and liability if you cause injury or property damage. To learn more about what that means, we’ve covered some basics about each.

Property protection—Renters insurance covers your possessions against damage for things such as fire, smoke, lightning, vandalism, theft and water damage—but not flooding—to name a few. It also extends beyond on-premise theft and hazards, covering property that is stolen from your car or lost or damaged anywhere you happen to be. Talk to your agent today to learn more additional property protection options, such as flood and earthquake insurance and scheduled items riders.
Liability protection— The liability portion of a renters insurance policy helps protect against claims of third-party bodily injury or property damage caused by you or another person listed as insured on your policy. It may also help pay for medical bills if someone has an injury in your rental. Liability also provides coverage for legal defense costs and judgments in a lawsuit, whether the incident occurred within your rented residence, or elsewhere.

Some renters insurance policies pay a tenant’s temporary living costs if they need to live elsewhere because of a fire, severe storm or other covered disaster. This coverage may include hotel bills, temporary rentals, restaurant meals and other living expenses. Talk with your insurer about whether your renters insurance has this inclusion.

How to Get Renters Insurance

Whether you call a rented house, condo or apartment your home, you can benefit from renters insurance. Call us today to learn more about renters insurance or to get a no-obligation quote.

Motorcycle Insurance in Havelock, NC

What Does Motorcycle Insurance Cover?

Understanding what motorcycle insurance covers is crucial for every rider. At Amato Insurance Group in Havelock, NC, we’re here to help you navigate motorcycle policies and ensure you’re well-informed about your coverage options.

Motorcycle coverage offers financial protection against various risks associated with riding. Your policy options may include the following:

Liability coverage may help cover third-party costs related to bodily injury and property damage, up to your policy’s limits.
Collision coverage may help pay for repairs or replacement of your motorcycle after an accident.
Comprehensive coverage may help replace or repair your motorcycle if it’s stolen or damaged in an incident that’s not a collision, such as a fire or vandalism.
Uninsured/Underinsured motorist coverage may help cover damages and injuries from an accident caused by another driver who does not have sufficient insurance.

How Much Does Motorcycle Insurance Cost?

Insurers use algorithms to determine your motorcycle premiums. The cost of insurance for motorcycles varies based on factors such as the type of motorcycle, your riding history and the level of coverage you choose.

Motorcycle policies vary, and the right coverage depends on your needs and circumstances. Whether you’re a seasoned rider or new to the motorcycle community, having appropriate insurance coverage is crucial.

Contact Us

Contact Amato Insurance Group for a personalized consultation and quote. Our knowledgeable team is here to assist you in finding motorcycle coverage that aligns with your riding lifestyle and budget.

Homeowners Insurance in Havelock, North Carolina

North Carolina’s Inner Banks are home to some of the state’s oldest and most beautiful communities and vacation destinations. If you have worked hard to build a life for yourself and your family, then you’ll want to do all you can to protect it. To make your personal property secure against numerous risks and liabilities, you’ll need quality homeowners insurance.

Amato Insurance Group proudly serves the greater New Bern area, including Havelock, Morehead City, Cherry Point and Emerald Isle. We’re the experts you can always trust to help you design personalized home insurance benefits. When you choose us as your local, independent insurance agency, you’ll gain a partner who can help you build optimized protection that will adequately address the risks and liabilities on your property.

If you’re ready to get the perfect home insurance, then contact us by calling (252) 447 – 8178 or requesting a quote online now!

Common Home Insurance Questions

What Does Home Insurance Cover?

All residential properties, from starter homes to dream homes, represent massive financial investments. Therefore, any accident or hazard on the property could wind up costing the owner a lot of money.

Rather than losing money as you try to pick up the pieces of these accidents, you should be able to rely on the assistance provided by homeowners insurance. Countless expensive and devastating hazards, from fires to break-ins could damage your home. But the fact is that you never know when these might happen or how expensive they might be. Home insurance will make sure you have the financial ability to recover from these losses, regardless.

When Do You Need Homeowners Insurance in Havelock and New Bern, NC?

No matter how long you live in your home, or how new or old it might be, it still has value. Having home insurance will offer you the reassurance that you can protect that value from significant losses.

Overall, your home insurance equals protection for the investment that you make in your property. That’s why you’ll want a policy in place from the moment you move in. In fact, most mortgage lenders will require applicants to get a policy before they will approve the loan.

How Much Home Insurance Do I Need?

Homes, their values and their residents vary drastically. As a result, you’ll want to incorporate numerous benefits into your homeowners policy to achieve optimized protection. Plus, you’ll want to be able to tailor these benefits to your advantage. At minimum, your policy should include:

Dwelling Insurance
Other Structures Coverage
Possessions Insurance
Liability Insurance
Accidental Medical Payments
Loss of Use Insurance

Plus, there are many other supplementary benefits and policy endorsements that you can add to your plan to optimize it to your advantage. Ask your agent about the best ways to do so.

A Special Note for Coastal North Carolina Residents: You need both windstorm and flood insurance in order to comprehensively protect your property. However, many standard home insurance policies don’t automatically offer this coverage. Let us work with you to determine how best to add these benefits into your property insurance package.

Are There Specific Requirements for Home Insurance in Coastal Areas of North Carolina?

If you own a home near the coast, you may require more robust and versatile coverage. Tropical storms and hurricanes frequently bludgeon many areas along the Atlantic coast, including across the Tar Heel State. Additional coverage may be necessary since standard home insurance policies may exclude windstorms and floods. You may even be beholden to formal obligations. For example, if you have a federally backed mortgage and live in an area classified as being at high risk for floods, appropriate insurance is required.

How Does North Carolina’s Weather Impact Home Insurance Rates?

Severe weather and natural disasters can significantly impact your home insurance costs. Carriers must carefully assess their risk levels when agreeing to cover you and your home, including the likelihood of weather-related damage. Rates may be higher if you’re in an area of North Carolina often affected by hurricanes and other inclement conditions. Other aspects of your property are also considered, such as the construction details of your home, its number of levels and the topography of your lot.

What Types of Homeowners Insurance Coverage Are Recommended in North Carolina?

Homeowners insurance may include many different financial protections. In many cases, you’ll want to ensure your policy includes the following:

Dwelling coverage, such as for your home’s structural elements (e.g., roof, foundations and attached fixtures)

Other structures coverage, such as for detached garages, fences and sheds

Liability coverage, such as for third-party losses for which you or another member of your household is to blame

Contents coverage, such as for furniture, electronics and other belongings

Loss-of-use coverage, such as to help cover hotel stays, restaurant meals and other additional living expenses if your home is temporarily uninhabitable

Is Homeowners Insurance Required by Law in North Carolina?

There are no sweeping laws requiring home insurance in the Tar Heel State. However, you may be subject to specific requirements if you are part of a homeowners association or have an outstanding mortgage. Even in the absence of such mandates, home insurance should be a top priority to ensure you can repair, rebuild and recover from unexpected incidents.

How Much Does Home Insurance Cost?

All homes have different values and different liabilities present on the property. Therefore, the cost of your homeowners policy can vary considerably from your neighbors’.

Just a few of the factors that might influence your premiums include:

Your chosen coverage limits.

The location of the home.

Your history of insurance claims.

The home’s age and value.

Accident risks on the property.

We fully understand that you want to be conscious of costs when choosing your home insurance, which is why we will work with you to determine which policy offers you both optimized coverage and affordability. Our relationships with multiple insurance carriers allow us to compare rates and policies to determine which ones offer you the right combination of coverage and price.

How to Get Home Insurance

Amato Insurance Group is ready to assist you in evaluating your home insurance coverage options. Contact us today to request a quote.

General Liability Insurance

Commercial general liability insurance can cover your business and clients by providing financial assistance when the unexpected happens. Our team can help you secure the insurance your business needs. Contact us today to get started.

Commercial General Liability Coverages

Commercial general liability insurance typically provides coverage for:

Third-party property damage. Commercial general liability insurance may provide repair or replacement costs if your business is responsible for damaging others’ property.
Third-party bodily injury. Commercial general liability coverage may pay for medical expenses if your business is responsible for a third-party bodily injury (e.g., an injury occurring at your business).
Personal and advertising injury. Commercial general liability insurance may provide coverage if your business is sued for a personal or advertising injury (e.g., slander, libel or copyright infringement).

In addition to providing compensation for damages, commercial general liability insurance may pay associated legal fees (e.g., attorney fees, settlements and judgments). Speak with your agent for more information on coverages, limits and exclusions.

Why Commercial General Liability Insurance Is Important

Although commercial general liability insurance typically isn’t required by law, some business licenses may require coverage. Or a landlord may require proof of insurance before offering a lease.

Commercial general liability coverage may also help you avoid paying for unexpected losses out of pocket. Reach out to your agent for additional information on how commercial general liability insurance may mitigate your business’s risks. We can help you secure the coverage that is right for you.

How to Get Commercial General Liability Insurance

Our team can help you obtain your commercial general liability insurance policy. Contact us today for additional information or a quote.

Flood Insurance in Havelock, New Bern and Morehead, NC

Most homeowners insurance policies don’t cover flood damage; however, it can be essential coverage, especially if your home is in an area with a high risk of flooding. Even a few inches of water can cost tens of thousands of dollars in property damage. Without flood insurance, you would have to pay for such damage out of pocket.

What Is Flood Insurance?

Flood insurance is a policy that may help cover losses stemming from specific types of water damage to your home and personal belongings. Generally, this insurance may cover incidents where water from outside your home gets in, such as a storm surge.

When Is Flood Insurance Required?

A mortgage lender may require you to obtain flood insurance if you live in a high-risk flood zone. However, even if flood insurance isn’t mandated by your lender, having such coverage may still be beneficial. Without flood insurance, you would have to pay for costly flooding-related property losses out of pocket. According to the National Flood Insurance Program, 1 foot of water could cause more than $29,000 in damage to a 1,000-square-foot home.

What Does Flood Insurance Cover?

Flood insurance typically includes the following types of coverage:

Building property coverage may help cover flood damage to the physical structure of your home.
Personal property coverage may help financially protect personal belongings damaged due to a flooding incident.

It’s important to note that flood insurance typically has coverage limits, meaning there is a maximum amount the policy will pay out for each category of coverage. Additionally, there may be deductibles and exclusions that can affect the extent of coverage. Your insurance agent can help you understand these coverage details and other aspects of your flood insurance policy.

Contact Amato Insurance Group today to discuss your flood insurance needs. We can make coverage recommendations based on your situation.

Cyber Liability Insurance

Most businesses rely on internet-connected devices for their day-to-day operations. But technology exposes companies to hacking and other cyber threats. Cyber liability insurance helps cover financial losses due to data breaches and other cyber attacks.

Our agency is here to help you sort through your best options for cyber liability coverage. Contact us to learn more or to get your free quote today.

What Is Cyber Liability Insurance?

Cyber insurance is recommended for businesses of all sizes that rely on technology to help streamline processes and stay in touch with customers.

A cyber liability insurance policy may help your business with the following:

Customer or employee privacy lawsuits
Lost income due to network outages
Regulatory fines from governing agencies
Legal services that are required to meet state and federal regulations
Payments to recover files after a ransomware attack
Expenses related to communicating with customers after a data breach

Who Needs Cyber Liability Insurance?

Any business that collects and stores sensitive or proprietary information and uses internet-connected technology should consider cyber liability insurance. If you believe your business needs coverage, reach out to an agent today.

Get Started With Cyber Liability Insurance

Cyber liability insurance could save your business from substantial out-of-pocket costs if you experience a cyber attack. Contact our agency today to get started with coverage.

Commercial Auto Insurance in Havelock, North Carolina

Whether you have a fleet of delivery trucks, company cars, or just one vehicle for business use, it’s essential to have the right insurance coverage to protect your assets and employees. Contact Amato Insurance Group in Havelock, North Carolina, for a personalized commercial auto insurance quote.

What Is Commercial Auto Insurance?

Commercial auto insurance may help provide coverage for vehicles used for business purposes and help cover your company’s legal liability after an accident or incident.

Commercial auto insurance is different from personal auto insurance because it provides coverage for vehicles owned by businesses. North Carolina law requires all drivers to have liability insurance coverage.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance policies can vary depending on the type of business and the vehicles being insured. However, most policies will provide coverage for the following:

Liability—This coverage may help pay for damages or injuries you are legally responsible for if you or your employees cause an accident while driving a company vehicle.
Collision—This coverage may help pay for damages to your vehicle if it strikes another vehicle or object.
Comprehensive—This coverage may help pay for damages to your vehicle not caused by a collision, such as theft, vandalism or weather-related damage.
Medical payments (MedPay)—This coverage may help cover medical expenses for you or your passengers if they are injured in an accident.
Uninsured/underinsured motorist—This coverage may help cover certain accident-related expenses if the other driver is uninsured or doesn’t have enough liability coverage.
Hired and non-owned vehicles—This coverage may help provide coverage for leased vehicles or personal vehicles used for business purposes.

Who Needs Commercial Auto Insurance?

Any organization using vehicles for business purposes should have commercial auto insurance, including the following:

Businesses that own vehicles
Businesses that have employees who operate company-owned vehicles
Businesses that transport goods or equipment
Businesses that provide transportation services

How to Get Commercial Auto Insurance

If your business needs commercial auto insurance, we’re here to help. Contact Amato Insurance Group today for a quote or to discuss your commercial auto insurance needs.

Business Insurance in Havelock, North Carolina

Business insurance, also called commercial business insurance or commercial insurance, is insurance coverage designed to cover a business, including its employees and ownership. There are a wide variety of different types of business insurance available.

Having the right commercial insurance policies is a significant component of a comprehensive risk management strategy that can help protect your business’s finances. Our agency is here to help you with all of your business insurance needs. Call Amato Insurance Group today to learn more or to get a free, no-obligation quote.

Business Insurance Policies

Every business’s insurance needs vary and may be influenced by company size, location, number of employees and industry. A few standard policies businesses may carry include the following:

General liability insurance—A policy can provide coverage for claims of bodily injury or other physical injuries, personal injury (libel or slander), advertising injury and property damage. It can be offered as a package policy with other coverages such as property, crime, automobile and more.
Business property insurance—Also called commercial property insurance, this coverage helps pay for damages to your company’s equipment and property after a covered accident or incident.
Business interruption insurance—If your business must shut down or cease operations due to a covered incident, this coverage can help replace lost income and pay for extra expenses incurred during the shutdown.
Commercial auto insurance—If your company has vehicles, you will likely need to secure a commercial auto insurance policy to properly insure any fleet members or employees who are drivers for your organization.
Professional liability insurance—This type of policy provides coverage if anyone makes a claim of negligence, misrepresentation or inaccurate advice against your business.
Workers’ compensation insurance—This coverage can help employees who become injured or ill due to a work-related incident receive replacement income, medical benefits and other financial assistance if they cannot work. Most states require that employers carry workers’ compensation insurance.

Depending on your business and industry, you may need to purchase other insurance policies for proper coverage. Contact Amato Insurance Group today to discuss your insurance needs.

How to Get Business Insurance

If you need business insurance solutions, we’re here to help. Give Amato Insurance Group a call today to get started.

Business Owners Policy (BOP) Insurance in Havelock, North Carolina

Business owners plan insurance, more commonly referred to as a business owners policy (BOP), is a policy that can bundle critical coverage into a single policy. Suitable for small and medium businesses, a BOP typically offers a seamless and budget-friendly solution for their insurance requirements. Understanding the elements and benefits of a BOP is essential for entrepreneurs aiming to secure thorough protection for their enterprises.

What Is Business Owners Plan Insurance?

A BOP is a comprehensive insurance package designed for small to medium-sized businesses. It typically combines the following coverage into a single policy.

Property insurance can protect your business’s physical assets, including buildings, equipment and inventory, against covered perils.
Liability insurance can cover third-party bodily injury or property damage claims resulting from your business operations.
Business interruption insurance can help cover extra expenses and replace lost income if a covered peril, such as a fire, disrupts operations.

It’s essential to note that a BOP policy, like most other policies, has specific coverage exclusions that you should be aware of. If you need protection for something that isn’t covered, policy endorsements might be available to extend coverage.

Is Business Owners Plan Insurance Important?

A BOP is a crucial asset for small to medium-sized businesses as it provides a robust safety net against unforeseen circumstances. In the event of property damage, lawsuits or business disruptions due to covered perils, a BOP can help a business stay afloat financially. It can offer financial protection not only to the physical assets of a business but also to the income stream, which is vital for the continuity of operations. Moreover, a BOP might be customizable, allowing endorsements to suit the unique needs of a business and making it a flexible and adaptable insurance solution. Investing in a BOP is a strategic move that can safeguard the future of a business, helping the business overcome financial challenges and continue to thrive.

How Much Is Business Owners Plan Insurance?

The cost of a BOP policy can vary depending on several factors, including the type of profession, number of employees and claims history. Contact Amato Insurance Group to discuss your business insurance needs. We can help determine if a BOP is right for your business and provide a policy quote.

Auto Insurance in Havelock, New Bern and Morehead NC

Amato Insurance Group is North Carolina’s trusted agency for personalized insurance policies. Our agency, unlike most large ones, has agents that will listen to your every insurance need and will go out of their way in assisting you with choosing the right coverage. We make it a priority to assure the customer they have the best plan for the future.

When it comes to insurance policies, auto insurance is one that most people need. Auto insurance policies can differ greatly among car owners, though, so it’s important to know that our agency will help you determine the best policy for your specific situation.

Common Auto Insurance Questions:

What is auto insurance?  
Auto insurance is, in many ways, a contract between a car owner and an insurance agency that states the insurer will help assist financially in the case of an accident to help alleviate significant damage costs. The amount the insurance agency provides depends on the type of policy the car owner has. The benefit of auto insurance is that the driver can feel safe knowing that they’ll have financial assistance in the unfortunate case of an accident.

Why Is Auto Insurance Important?

Auto insurance can help provide valuable financial protection if you are involved in an accident or an unexpected incident damages your vehicle, depending on your coverage.

Many states, including North Carolina, have laws about the minimum amount of car insurance drivers must maintain. Your agent can help you understand how these laws apply to your situation and get appropriate auto insurance coverage.

In general, you must maintain the state’s minimum required amount of auto liability insurance and uninsured/underinsured motorist insurance. Liability coverage may help pay for your liability after an at-fault accident causing third-party injuries or property damage; uninsured/underinsured motorist coverage may help cover damage to you or your vehicle after an accident with an at-fault driver with insufficient insurance.

How does auto insurance work?  
Costs tend to get very high for car accidents. Auto insurance is a guarantee that you will be assisted financially, in some type of way, to keep out-of-pocket costs down. Following an accident, you will file a claim and, depending on what you are responsible for, you’ll be given a certain amount of money to assist with damage costs. It’s important to have proper coverage to avoid paying hefty out-of-pocket costs.

What does auto insurance cover in Havelock and New Bern, NC?

The average auto insurance policy can offer numerous benefits, including:

Liability insurance: When an accident is deemed your fault, this coverage helps you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.

Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits.

Property damage liability coverage: This pays for damage to the other party’s property.

Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.

Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.

Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.

Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.

Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:

Roadside assistance

Rental car reimbursement

Custom parts coverage

Replacement cost vehicle coverage

Vanishing deductibles

Gap insurance

Is auto insurance required in Havelock and New Bern, NC?  

In North Carolina, liability and uninsured motorist coverage is required.

Collision, comprehensive and gap coverage policies might also be required for car owners who decided to finance their vehicles.

Settling for the bare minimum coverage is something you will want to avoid, and our agency will assist you in picking the right coverage for you and your vehicle.

What does auto insurance cost?  
Numerous factors can influence the cost of your auto policy, including:

Your chosen coverage limits

The value of your vehicle

Your driving accident history

Your history of claims on other auto policies

Where you live

How far you drive each year

Although there are some car owners who pay different prices for the same auto insurance policy, we assure you that we will use our knowledge and experience to assist you in finding the best, most reasonable coverage.

How to Get Auto Insurance

Amato Insurance Group is ready to assist you in evaluating your auto insurance coverage options. Contact us today to request a quote.